<\/p>\n\n\n\n
\u829d\u52a0\u54e5\u4f5b\u5149\u5c71\u8207\u570b\u969b\u4f5b\u5149\u6703\u829d\u52a0\u54e5\u5354\u6703\u5171\u540c\u8209\u8fa6\u300c\u672a\u4f86\u8207\u5e0c\u671b\u300d\u7cfb\u5217\u8b1b\u5ea7\uff0c\u79ae\u8acb\u7f8e\u570b\u91d1\u878d\u5206\u6790\u5e2b\u9673\u6176\u862d\u5c45\u58eb\u4e3b\u8b1b\u300c\u75ab\u60c5\u5c0d\u7d93\u6fdf\u767c\u5c55\u7684\u5f71\u97ff\u8207\u5c0d\u7b56\u300d\uff0c\u903e40\u4f4d\u4f5b\u5149\u4eba\u53ca\u793e\u5340\u6c11\u773e\u96f2\u7aef\u4e0a\u53c3\u52a0\u3002\u5728\u5168\u7403\u75ab\u60c5\u7684\u5927\u74b0\u5883\u4e0b\uff0c\u7d93\u6fdf\u52d5\u8569\u3001\u7269\u50f9\u6301\u7e8c\u4e0a\u6f32, \u672c\u6b21\u751f\u6d3b\u8b1b\u5ea7\u70ba\u6c11\u773e\u63d0\u4f9b\u6db5\u84cb\u591a\u5c64\u9762\u7684\u8ca1\u52d9\u7684\u7ba1\u7406\u8207\u898f\u5283\uff1a\u7f8e\u570b\u793e\u6703\u4fdd\u969c\u8207\u516c\u5171\u91ab\u7642\uff0c\u9577\u671f\u8b77\u7406\u548c\u5e74\u91d1\u3001\u9000\u4f11\u8a08\u5283\u3001\u8d08\u4e88\u53ca\u50b3\u627f\uff0c\u5b50\u5973\u6559\u80b2\u5132\u84c4\u7b49\u7576\u4e0b\u71b1\u9580\u8b70\u984c\u3002
\u4f4f\u6301\u89ba\u9e9f\u6cd5\u8ac7\u5230\uff1a\u4f5b\u6559\u8b1b\u5fc3\u5b89\u8eab\u5c31\u5b89\uff0c\u751f\u6d3b\u8981\u61c2\u5f97\u5c45\u5b89\u601d\u5371\uff0c\u7531\u5c08\u696d\u5f15\u5c0e\u8a08\u5283\u672a\u4f86\u3002\u829d\u52a0\u54e5\u4f5b\u5149\u5c71\u81ea\u75ab\u60c5\u4ee5\u4f86\uff0c\u5df2\u591a\u6b21\u8209\u8fa6\u7dda\u4e0a\u4f5b\u5b78\u8b1b\u5ea7\u8207\u751f\u6d3b\u8b1b\u5ea7\uff0c\u70ba\u4f5b\u5149\u6703\u54e1\u548c\u5927\u773e\u5728\u7684\u74b0\u7d1b\u64fe\u5883\u4e0b\uff0c\u4ee5\u4f5b\u6cd5\u8207\u6c11\u751f\u8ab2\u984c\u5b89\u9813\u8eab\u5fc3\u3002\u9673\u6176\u862d\u5c45\u58eb\u73fe\u4efb\u65bc\u4e16\u754c\u6700\u5927\u8b49\u5238\u3001\u91d1\u878d\u6295\u8cc7\u516c\u53f8\u4e4b\u4e00\u7684\u7f8e\u6797\u96c6\u5718\uff08Merrill Lynch\uff09\u3002\u9673\u5c45\u58eb\u5f9e\u5c08\u696d\u7684\u89d2\u5ea6\u4ecb\u7d39\uff1a\u7f8e\u570b\u662f\u4e00\u500b\u7531\u6d88\u8cbb\u6258\u8d77\u7684\u7d93\u6fdf\u9ad4\uff0c\u4e86\u89e3\u672a\u4f86\u7684\u6d88\u8cbb\u4e3b\u9ad4\uff0c\u5c07\u6703\u662f\u6211\u5011\u7121\u8ad6\u5728\u6295\u8cc7\u3001\u627e\u5de5\u4f5c\u3001\u6216\u8005\u5c0b\u627e\u5546\u6a5f\u4e2d\uff0c\u5fc5\u9700\u8003\u616e\u7684\u56e0\u7d20\u3002
\u4eba\u985e\u793e\u6703\u5df2\u7d93\u9032\u5165\u4e86\u4e00\u500b\u524d\u6240\u672a\u6709\u7684\u9ad8\u901f\u8f49\u8b8a\u6642\u4ee3\uff0c\u80fd\u6e90\u65b9\u9762\u3001\u77f3\u6cb9\u3001\u6c7d\u6cb9\u7b49\u6703\u53d7\u5230\u885d\u64ca\uff0c\u4eba\u5011\u5c07\u66f4\u9700\u8981\u589e\u52a0\u53ef\u5faa\u74b0\u4f7f\u7528\u7684\u8cc7\u6e90\u3002\u800cZ\u4e16\u4ee3\u7684\u4eba\u5177\u6709\u52d9\u5be6\u7cbe\u795e\uff0c\u4ed6\u5011\u6d88\u8cbb\u6210\u719f\u3002\u5728\u9078\u64c7\u54c1\u724c\u6642\uff0c\u6700\u95dc\u6ce8\u7684\u662f\u7522\u54c1\u7684\u54c1\u8cea\uff0c\u50f9\u503c\u4ee5\u53ca\u53ef\u5f97\u6027\u3002\u5728\u8ca1\u52d9\u7ba1\u7406\u884c\u696d\uff0c\u5b30\u5152\u6f6e\u4eba\u7fa4\u9000\u4f11\u7684\u8ca1\u52d9\u7ba1\u7406\uff0c\u548c\u5343\u79a7\u4e00\u4ee3\u5bb6\u5ead\u8ca1\u52d9\u898f\u5283\uff0c\u5c07\u662f\u672a\u4f86\u8ca1\u7d93\u696d\u7684\u53d7\u76ca\u8005\u3002
\u9000\u4f11\uff0c\u5728\u73fe\u4ee3\u4eba\u7684\u89c0\u9ede\u88e1\u65e9\u5df2\u4e0d\u662f\u9032\u5165\u8001\u5e74\u7684\u8c61\u5f81\uff0c\u800c\u662f\u65b0\u751f\u6d3b\u7684\u958b\u59cb\u3002\u9000\u4f11\u751f\u6d3b\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u8981\u95dc\u6ce8\u7684\u4e0d\u662f\u4f60\u53ef\u4ee5\u6399\u591a\u5c11\uff0c\u800c\u662f\u4f60\u7684\u7d2f\u7a4d\u662f\u591a\u5c11\u3002\u6240\u4ee5\uff0c\u5230\u5e95\u9700\u8981\u591a\u5c11\u73fe\u91d1\uff0c\u4f86\u652f\u4ed8\u9000\u4f11\u751f\u6d3b\u6240\u9700\uff1f\u4f60\u8a08\u7b97\u4e00\u4e0b\u4f60\u7684\u9280\u884c\u5132\u84c4\u3001\u50b5\u5238\u4ee5\u53ca\u73fe\u91d1\uff0c\u53ef\u4ee5\u652f\u4ed8\u4f60\u5e7e\u5e74\u7684\u8cbb\u7528\u652f\u51fa\uff1f\u4ee5\u514d\u4f60\u5728\u5e02\u5834\u4e0b\u8dcc\u7684\u6642\u5019\uff0c\u9700\u8981\u8ce3\u51fa\u80a1\u7968\u3002\u4ed6\u66f4\u4f8b\u51fa\u4e86\u9000\u4f11\u8a08\u5283\u4e2d\uff0c\u5341\u5927\u8981\u907f\u514d\u7684\u932f\u8aa4\uff1a
\u3000\u3000\u7b2c\u4e00\uff0c\u6c92\u6709\u5b89\u6392\u9000\u4f11\u8cec\u6236\u7684\u53d7\u76ca\u4eba
\u3000\u3000\u7b2c\u4e8c\uff0c\u6c92\u6709\u5c0d\u7e7c\u627f\u9000\u4f11\u8cec\u6236\u7684\u7a05\u52d9\u65b9\u9762\u4f5c\u898f\u5283
\u3000\u3000\u7b2c\u4e09\uff0c\u76f4\u63a5\u5c07\u5df2\u6545\u914d\u5076\u7684\u9000\u4f11\u8cec\u6236\uff0c\u8f49\u5165\u81ea\u5df1\u7684\u9000\u4f11\u8cec\u6236
\u3000\u3000\u7b2c\u56db\uff0c\u6c92\u6709\u61c9\u7528\u9000\u4f11\u8cec\u6236\u76f4\u63a5\u8f49\u5165\u6cd5
\u3000\u3000\u7b2c\u4e94\uff0c\u6c92\u6709\u5145\u5206\u5229\u7528Roth IRA
\u3000\u3000\u7b2c\u516d\uff0c\u6c92\u6709\u4f7f\u7528\u5230\u6240\u6709\u9000\u4f11\u8cec\u6236\u6700\u5927\u9650\u984d
\u3000\u3000\u7b2c\u4e03\uff0c\u8aa4\u8a8d\u6c92\u6709\u5de5\u4f5c\u7684\u914d\u5076\uff0c\u7121\u6cd5\u5efa\u7acb\u9000\u4f11\u8cec\u6236
\u3000\u3000\u7b2c\u516b\uff0c\u5728\u63d0\u53d6\u9000\u4f11\u8cec\u6236\u8cc7\u7522\u6642\uff0c\u63d0\u53d6\u932f\u8aa4\u7684\u984d\u5ea6
\u3000\u3000\u7b2c\u4e5d\uff0c\u6c92\u6709\u8003\u616e\u505a\u6709\u7a05\u52d9\u512a\u52e2\u7684\u6148\u5584\u6350\u8d08
\u3000\u3000\u7b2c\u5341\uff0c\u904e\u65e9\u63d0\u53d6\u9000\u4f11\u8cec\u6236
\u5728\u8fd1\u5169\u5c0f\u6642\u7684\u8b1b\u5ea7\u4e2d\uff0c\u9673\u5c45\u58eb\u5206\u6790\u4e86\u8a31\u591a\u8ca1\u52d9\u7ba1\u7406\u5e38\u8b58\u3001\u5efa\u9020\u8ca1\u52d9\u57fa\u790e\uff0c\u4ee5\u53ca\u6bcf\u5e74\u6aa2\u8996\u8ca1\u52d9\u72c0\u6cc1\u7684\u6982\u5ff5;\u61c9\u6025\u6642\uff0c\u57fa\u91d1\u7684\u5b89\u6392\u8207\u61c9\u7528\u3002\u672c\u6b21\u7d93\u6fdf\u8207\u751f\u6d3b\u7684\u8b1b\u5ea7\uff0c\u4f7f\u5927\u5bb6\u7372\u76ca\u532a\u6dfa\uff0c\u4e0d\u50c5\u8c50\u5bcc\u4e86\u91d1\u878d\u7ba1\u7406\u7684\u7406\u5ff5\u8207\u77e5\u8b58\uff0c\u66f4\u662f\u5c0d\u75ab\u60c5\u4e4b\u5f8c\u7684\u751f\u6d3b\u8207\u672a\u4f86\u8ca1\u52d9\u898f\u5283\u5145\u6eff\u4e86\u4fe1\u5fc3\u8207\u5e0c\u671b\u3002<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
\u829d\u52a0\u54e5\u4f5b\u5149\u5c71\u8207\u570b\u969b\u4f5b\u5149\u6703\u829d\u52a0\u54e5\u5354\u6703\u5171\u540c\u8209\u8fa6\u300c\u672a\u4f86\u8207\u5e0c\u671b\u300d\u7cfb\u5217\u8b1b\u5ea7\uff0c\u79ae\u8acb…<\/p>\n","protected":false},"author":1,"featured_media":2897,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"give_campaign_id":0,"_uag_custom_page_level_css":"","footnotes":""},"categories":[67],"tags":[],"class_list":["post-2895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-print-news"],"uagb_featured_image_src":{"full":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false],"thumbnail":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",512,303,false],"medium":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",512,303,false],"medium_large":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",768,454,false],"large":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",512,303,false],"1536x1536":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false],"2048x2048":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false],"post-thumbnail":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",370,219,false],"great_lotus-thumb-category":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",362,214,false],"great_lotus-thumb-category-@retina":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",724,428,false],"trx_addons-thumb-huge":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false],"trx_addons-thumb-huge-@retina":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false],"trx_addons-thumb-masonry-big":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",770,455,false],"trx_addons-thumb-masonry-big-@retina":["http:\/\/www.ibpschicago.org\/zh-tw\/wp-content\/uploads\/2025\/12\/02-10.jpg",1038,614,false]},"uagb_author_info":{"display_name":"bliachicago","author_link":"http:\/\/www.ibpschicago.org\/zh-tw\/archives\/author\/bliachicago"},"uagb_comment_info":0,"uagb_excerpt":"\u829d\u52a0\u54e5\u4f5b\u5149\u5c71\u8207\u570b\u969b\u4f5b\u5149\u6703\u829d\u52a0\u54e5\u5354\u6703\u5171\u540c\u8209\u8fa6\u300c\u672a\u4f86\u8207\u5e0c\u671b\u300d\u7cfb\u5217\u8b1b\u5ea7\uff0c\u79ae\u8acb…","_links":{"self":[{"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/posts\/2895","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/comments?post=2895"}],"version-history":[{"count":11,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/posts\/2895\/revisions"}],"predecessor-version":[{"id":5664,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/posts\/2895\/revisions\/5664"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/media\/2897"}],"wp:attachment":[{"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/media?parent=2895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/categories?post=2895"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.ibpschicago.org\/zh-tw\/wp-json\/wp\/v2\/tags?post=2895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}